Capital One has a $250 bonus for “new” 360 Checking accountholders. What’s “new”? If in case you have or had an open 360 Checking, Merely Checking, or Whole Management Checking account as a major or secondary account holder with Capital One on or after January 1, 2022, you can be ineligible for the bonus. Listed below are the small print:

• Open a 360 Checking account on or after August 22, 2024, utilizing promotional code CHECKING250.
• Full a minimum of 2 Qualifying Direct Deposits every of $500 or extra to your 360 Checking account inside 75 days of account opening.
• You’ve 75 days to finish the necessities above. After the primary 75 days from account opening, your standing to obtain the bonus will likely be assessed and processed, which may take as much as 60 days. This implies, if all necessities are met, you may anticipate your bonus to be deposited into your account inside 135 days from account opening. To obtain your bonus, your account should even be open and in good standing on the time the bonus will likely be deposited.

(This may be a good suggestion to shut any idle Capital One 360 accounts.)

The 360 Checking account is just like many different on-line checking choices. There’s a relatively disappointing 0.10% APY rate of interest, and nothing particular aside from the power to hyperlink simply with 360 Financial savings. Highlights:

• No month-to-month charges, no minimal steadiness required.
• 0.10% APY on all steadiness tiers.
• Distant verify deposit by way of app.
• Paper checks will price you $20 for 50 checks, or $25 for 100 checks.
• Along with their very own ATMs, Capital One makes use of the Allpoint ATM community for fee-free ATM entry.
• You should utilize your 360 Financial savings because the overdraft backup supply of funds.

A fairly beneficiant checking bonus if you’re eligible, however not that engaging long-term until you already choose utilizing CapOne 360 Financial savings.

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